I realized that too after going to bed last night. After a little review I was thinking I would go with,
125 Int
100 Str
30 Dex
and try to boost my dex and stamina regen with a suit.
The stats above are for a Mage/Bard template that looks like this,
120 Music
120 Provo
120 Disco
120 Peace
110 Magery
110 EI
...
I think that is a much better balance on the stats. When you can afford it, buy a scroll to run it up even higher. Along with that, try to find items that boost your INT and mana regen, such as a HOM, or Helm of Insight, Boomstick, etc. You will appreciate never running out of mana while using magery to back up your barding skills. OH, don't forget to have as high FC/FCR as you can... and I agree with you on struggling with the item properties. I'll throw something out that I think is junk, just to see its twin on a vendor for 5 mil. Dunno...

*points to jelindas*
I found with my mage bard that I never really used peace. I ended up stoneing it and gave it to my tamer. That would free up the 120 points for you to boost magery to 120, EI to 120 and still leave 100 left for somthing else. I put the 100 in resisting spells. People tell me Im crazy, but it works well for me as I visit Doom.
I found that I only used the peace skill for taming, and put it on a stone for my tamer, keeping it handy to tame greater dragons. I would suggest doing the same and taking up 120 meditation for faster mana regen, or resist. Since it looks like you will be doing PvM with this template, you don't need 120 resist, but even 90 will do quite well in most cases.
Another interesting possibility if you dropped the peace skill, is to take up bushido and run it to 120 for the defensive skill, and then wield the Swords of Prosperity with the -0 mage weapon penalty. Or perhaps wrestling?